PCRG Insurance is an independent insurance agency serving Park City, Deer Valley, and Salt Lake City. From Wasatch ski chalets to Salt Lake’s growing skyline, we insure second homes, vacation properties, and the valuables that come with a life split between two altitudes.
We compare coverage from multiple carriers and build one coordinated plan for your homes, vehicles, business, and family, in Utah and anywhere else you own property.
At a Glance
- Personal: Homes, second homes, ski condos, vacation rentals, auto, snowmobiles, boats, umbrella, and life insurance
- Business: General liability, commercial property, commercial auto, commercial umbrella, and contractors insurance
- High-value: Luxury homes, fine art, jewelry, wine, and umbrella coverage across multiple states
Insurance We Offer in Park City and Salt Lake City
Home and Second Home Insurance
Coverage for primary homes, ski homes, and vacation properties, including extended or guaranteed replacement cost, freeze and snow load protection, and wildfire coverage.
Ski Condo Insurance
A condo policy (HO-6) covers your unit’s interior, belongings, and liability, plus loss assessment coverage if your HOA bills owners for a large claim.
Auto, Snowmobile, and UTV Insurance
Coverage for daily drivers and collector cars, including Utah’s required personal injury protection (PIP) and hail protection. Snowmobiles, UTVs, and ATVs usually need their own policy.
Boat Insurance
Agreed value and liability coverage for boats, wake boats, and houseboats, from Jordanelle to Lake Powell.
Umbrella Insurance
Extra liability protection above your home, auto, and boat policies, with every property listed if you own homes in more than one state.
Life Insurance
Coverage to protect your family’s income, cover estate costs, and support business succession, coordinated with your financial advisor or estate attorney.
Business Insurance
General liability, commercial property, commercial auto, commercial umbrella, and contractors insurance for Salt Lake City companies, Park City rental businesses, and mountain home builders.
High-Value Home and Private Client Insurance
Coverage from carriers built for luxury homes and significant collections, including fine art, jewelry, watches, and wine scheduled at appraised value.
Coverage for Second Homes and Vacation Rentals in Park City
When your home sits empty. Many policies limit coverage once a home has been vacant for more than 60 consecutive days, and frozen pipe coverage often depends on maintaining heat. Policies written for second homes ease those limits, and water leak sensors and low-temperature alarms help you meet the conditions.
When you rent to guests. Many homeowners policies restrict or exclude short-term rentals. Regular renters often need an endorsement or a vacation rental policy covering guest injuries, damage, and lost rental income.
Utah Risks Your Insurance Should Account For
- Wildfire: Growing risk for homes around Park City and the Wasatch canyons
- Earthquake: The Wasatch Fault runs beneath Salt Lake City, and standard policies generally exclude earthquake damage
- Snow and ice: Snow loads, ice dams, and deep freezes can damage roofs and plumbing
- Hail: A common cause of roof and vehicle damage along the Wasatch Front
Why Work with an Independent Private Client Agency
If you own more than one home, rent your property, hold valuable collections, or run a business, policies from separate companies can leave gaps. We compare carriers that specialize in high-value and complex households and coordinate everything in one plan. If your insurer has non-renewed your mountain home or raised your premium sharply, we can shop the market for alternatives.
Park City and Salt Lake City Communities We Serve
Park City and Wasatch Back
Old Town, Deer Valley, Deer Valley East Village, Empire Pass, The Canyons Village, Promontory, Glenwild, Jeremy Ranch, Kimball Junction, Jordanelle, Kamas, Victory Ranch, Heber City, and Red Ledges.
Salt Lake City and Wasatch Front
Downtown Salt Lake City, Federal Heights, the Avenues, Sugar House, Holladay, Olympus Cove, Millcreek, Emigration Canyon, Cottonwood Heights, Draper, Lehi, and Alpine, plus the Cottonwood Canyons.
How to Get an Insurance Quote in Park City or Salt Lake City
- Tell us what you want to insure. Homes, vehicles, valuables, business, or all of the above.
- We review your current coverage. We find gaps and overlaps, including property outside Utah.
- We compare carriers. You’ll see options side by side, with coverage and cost.
- We stay with you. As your properties, vehicles, or business change, we update your coverage.
Park City and Salt Lake City Insurance FAQs
Does PCRG Insurance Serve Park City and Salt Lake City?
Yes. We serve individuals, families, and businesses throughout Park City, Deer Valley, the Wasatch Back, and Salt Lake City.
Does Homeowners Insurance Cover a Vacant Second Home in Park City?
Not always. Many policies limit coverage for losses like vandalism or frozen pipes when a home sits empty. Policies written for second homes can ease those limits.
Can I Rent My Park City Home and Keep My Homeowners Coverage?
It depends on your policy and how often you rent. Many policies restrict short-term rentals, so regular renters often need an endorsement or a separate vacation rental policy.
Do I Need Earthquake Insurance in Salt Lake City?
Standard homeowners policies in Utah generally don’t cover earthquake damage, and the Wasatch Fault runs beneath the metro area. Many homeowners add coverage separately.
Does My Auto Insurance Cover My Snowmobile or UTV?
Usually not. Auto policies typically exclude off-road vehicles, so snowmobiles, UTVs, and ATVs generally need their own policy.
Will One Umbrella Policy Cover Homes in Utah and Washington?
It can, if every property, vehicle, and watercraft is listed and your underlying policies meet the umbrella’s requirements.
What Is Private Client Insurance?
Coverage designed for high-value households, typically with higher limits, broader protection, and more personalized claims service, often combining multiple homes, vehicles, umbrella, and collections in one program.
What Should I Do If My Insurer Non-Renewed My Mountain Home?
Start shopping before your policy ends. An independent agency can compare carriers that still write homes in higher-risk areas.
Get an Insurance Quote in Park City or Salt Lake City
Tell us what you want to protect, and a PCRG advisor will review your coverage, show you where the gaps are, and compare options. There’s no cost and no obligation.